Health Insurance in Illinois

Health Insurance in Illinois

There are a lot of health insurance options in Illinois, to the point that it can be overwhelming for a person looking for coverage. Don’t be one of those people; read on to learn all about health insurance in Illinois. 

Quick Facts about Health Insurance in Illinois

    • Illinois operates a partnership with the federal government to sell ACA/Obamacare plans. 
    • Open Enrollment for On-Exchange plans will be from November 1, 2022 – December 15, 2022. 
    • Off-Exchange plans can be purchased at any time. * 
    • Apollo Insurance Group can help broker plans with 18 different carriers. 

    How Health Insurance Works in Illinois

    Health insurance in Illinois can be split into two categories: On-Exchange and Off-Exchange. On-Exchange plans are ACA/Obamacare health insurance plans and must follow the rules that entails. That means that they are eligible for subsidies and cannot deny coverage because of preexisting conditions. 

    In Illinois, the state runs GetCoveredIllinois, which provides assistance and a help desk for people that are trying to find On-Exchange health insurance. However, all enrollment is done through healthcare.gov. 

    Off-Exchange plans are any plans that do not follow the ACA. They are not eligible for subsidies and can deny coverage because of preexisting conditions. Due to this, they tend to have lower premiums than their ACA counterparts. 

    When to Sign Up for Illinois Health Insurance

    Typically, for On-Exchange plans, you can only sign up during the Open Enrollment period. Open Enrollment is the time of the year that you can freely change your ACA health insurance. Outside of Open Enrollment, you need a Qualifying Life Event – one of several major life changes that could force you to find a new insurance plan. Click here for a full list of qualifying life events. 

    You can sign up for Off-Exchange plans at any time. There are some exceptions, but most carriers will allow you to sign up for a plan year-round. 

    How to Sign Up for Illinois Health Insurance

    To enroll for health insurance in Illinois, fill out our quote form. Alternatively, call our Chicago office at the number below now. We have extensive experience finding insurance for people in Illinois, so call us today! 

    Call us in Chicago: (872) 345-4441 

    Individual Health Insurance

    Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the best plan for your budget and needs.

    That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.

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    Group Health Insurance
    Do you want to provide an affordable insurance option for your employees?

    Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.

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    Life Insurance
    Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.

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    Dental Insurance

    A good smile can be worth a million dollars.

    Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.

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    Vision Insurance

    Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.

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    Apollo Insurance Broker

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